11707 Rivershore Dr, Dunkirk, MD 20754 Property Records

Calvert County property record for 11707 Rivershore Dr, Dunkirk, MD 20754

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,592 sqft · built 1974
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Feb 2024)
Tax Bill	$4,928 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2024 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-035239`

Property Details

APN / Parcel Number

Primary APN	`03-035239`
Alternative APNs	`3035239` `035239`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,592 sqft Total Area
Basement Area	875 sqft
Finished Basement	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Basement
Garage Area	375 sqft
Parking Spaces	1 Parking Space
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	035239
Street Address	11707 RIVERSHORE DR
City	DUNKIRK
State	MD
Zip	20754-9444
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 27 BLK E SEC 3 SHORES OF CALVERT
Legal Subdivision	SHORES OF CALVERT
Legal Block	E
Legal Lot Number	27
Jurisdiction	CALVERT MD
Township / Civil Division	3, SUNDERLAND
Census Block Group	3
Census Block	3002
Census Tract	860103

Owner

Source: Calvert County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Feb 1, 2024	Deed, Transfer · VA Mortgage FIRST HOME MORTGAGE CORP
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit SKYPOINT FEDERAL CREDIT UNION
Dec 2, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SKYPOINT FEDERAL CREDIT UNION
Aug 10, 2021	Deed, Transfer · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jan 3, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2024 · Amount on Record
Deed Sale	Feb 1, 2024 · Amount on Record
Prior Sale	Aug 10, 2021 · Amount on Record
Deed Book / Page	6530 / 148
Prior Transfer Date	Nov 12, 2016
Prior Transfer Doc	0049180119
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Recording Date	Apr 6, 2026
Property Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444
Document Number	6880000085
Book / Page	6880 / 85
Instrument Date	Mar 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444

Mortgage

Document Number	6880000085,
Date	Apr 6, 2026
Book Page	6880/85

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Feb 1, 2024
Property Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444
Document Number	0065300148
Book / Page	6530 / 148
Map Reference	MB JLB 2 PG 128
Instrument Date	Dec 29, 2023
Transaction Type	Transfer
Record Updated	Apr 19, 2024
Title Company	MARYLAND TITLE CENTER LLC, MARYLAND TRUST T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,187.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444

Mortgage

Document Number	0006530159
Date	Feb 1, 2024
Instrument	6530/159

Lender

Name	FIRST HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2054

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053920494
Date	Jul 15, 2019
Book Page	5392/494

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Non-Lending Institution
Address	GERMANTOWN, MD 20874

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 14, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057790466
Date	Dec 2, 2020
Book Page	5779/466

Lender

Name	SKYPOINT FEDERAL CREDIT UNION
Type	Credit Union
Address	GERMANTOWN, MD 20874

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 15, 2035

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALVERT MD
Recording Date	Aug 10, 2021
Property Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444
Document Number	0060460377
Book / Page	6046 / 377
Map Reference	MB JLB 2 PG 128
Instrument Date	Jul 13, 2021
Transaction Type	Transfer
Record Updated	Aug 19, 2021
Title Company	STAR SETTLEMENT LLC, SMART SETTLEMENTS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444

Mortgage

Document Number	6046386
Date	Aug 10, 2021
Instrument	6046/386

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALVERT MD
Recording Date	Jan 3, 2017
Property Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444
Document Number	0049180119
Book / Page	4918 / 119
Map Reference	MB JLB2 PG128
Instrument Date	Nov 12, 2016
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11707 RIVERSHORE DR, DUNKIRK, MD 20754-9444

Mortgage

Document Number	0004918123
Date	Jan 3, 2017
Instrument	4918/123

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$459,533 (+4.04%)	$495,200 (+12.11%) Land $136,900 Building $358,300
2025	$4,928.00 (+22.53%)	$441,700 (+14.09%) Land $136,900 Building $304,800	$441,700 (-) Land $136,900 Building $304,800
2023	$4,022.00	$387,167	$441,700 Land $136,900 Building $304,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SHORES OF CALVERT serves 361 people · EPA ID MD0040015
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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